FHA Loan Limits in La Crosse County, Wisconsin (2026)
Buying in La Crosse County or elsewhere in La Crosse County? The 2026 FHA single-family limit across the county is $541,287. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in La Crosse County — La Crosse County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Milwaukee and Dane Counties.
FHA affordability around La Crosse County
An FHA buyer near La Crosse County faces an estimated $244,000 median, a $8,540 down payment, and — after Wisconsin's 1.61% property tax — a monthly cost around $2,027. That suits household income of roughly $78,000, above Wisconsin's $72,458 median household income, so budget carefully.
FHA payment scenarios in La Crosse County
Here is what an FHA payment looks like at three La Crosse County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $176,000 | $6,160 | $1,495 |
| Local median — $244,000 | $8,540 | $2,027 |
| At the FHA limit — $541,287 | $18,945 | $4,355 |
Estimates include FHA MIP plus Wisconsin property taxes and insurance. Rates move daily near La Crosse County too — get notified.
Buyers across La Crosse County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $8,540 down payment near La Crosse County into little out of pocket.
Multi-unit FHA limits in La Crosse County
Looking at a duplex or fourplex near La Crosse County? FHA allows up to $692,997 on two units and $1,041,072 on four in La Crosse County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in La Crosse County for 2026?
- In La Crosse County (La Crosse County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in La Crosse County with FHA?
- For a median-priced ($244,000) La Crosse County home, plan on income around $78,000 at a 31% housing ratio — about $2,027/month including taxes, insurance, and MIP.
- How much is the FHA down payment in La Crosse County?
- 3.5% with a 580+ score — roughly $8,540 on a $244,000 La Crosse County-area home. Gift funds are allowed.
- Is La Crosse County a high-cost FHA area?
- No — La Crosse County uses the $541,287 national floor for one unit.